How to Protect Your Tax Identity with an IRS Online Account and IP PIN

Fraudsters are getting more sophisticated every year, and tax-related identity theft continues to be a major threat. One of the best steps you can take to safeguard your information is to set up an IRS Online Account and request an Identity Protection PIN (IP PIN).

It’s simple, effective, and totally free.

What’s an IP PIN—and Why Should You Care?

An Identity Protection PIN is a six-digit number assigned by the IRS that adds a layer of security when you file your federal tax return. Think of it as a unique password that only you and the IRS know—it helps confirm that it’s really you filing the return, not someone using your stolen information.

Here’s what’s important to know:

• Anyone with a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) can request an IP PIN—even U.S. citizens living abroad.

• The IP PIN is valid for one calendar year and changes every year for added security.

• Once enrolled, you’ll need to use your IP PIN for any federal tax filing, including amended returns and prior year returns.

• Only the taxpayer can request an IP PIN—not your tax professional—but they can use it to file your return once you share it with them.

• Even if you don’t need to file a return this year, having an IP PIN still protects your account.

• The IRS will never call, text, or email you asking for your PIN. That’s always a red flag.

While the program is optional, it’s strongly recommended—especially if you’ve been a victim of identity theft or just want to take proactive steps to protect yourself.

How to Get Your IP PIN

The quickest way to get an IP PIN is through your IRS Online Account:

1. Go to IRS.gov/account and sign in. If you don’t already have an account, you’ll need to go through their identity verification process.

2. Once logged in, navigate to your Profile page and select Get an IP PIN.

3. Follow the steps to receive your unique six-digit number.

Before you start, it’s a good idea to check the identity verification requirements to ensure you have everything you need.

If Online Verification Isn’t an Option

Not everyone can verify their identity online, but there are alternatives:

• If your income is $84,000 or less (single) or $168,000 or less (married filing jointly), you can file Form 15227 to request your IP PIN by mail.

• If you’re unable to verify online or by phone—or if Form 15227 doesn’t apply—you can make an in-person appointment at a local Taxpayer Assistance Center.

We highly encourage clients who’ve experienced identity theft to request an IP PIN. Even if a fraudster has already filed a return in their name, having an IP PIN can stop it from happening again.

Setting up an IRS Online Account and requesting an IP PIN is a quick, smart way to lock down your personal information and take control of your tax identity. If you have questions about how to get started—or whether this is right for you—reach out. I’m happy to help.